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Last Updated: April 2, 2026, 3:35 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 535322 | NSE: REPCOHOME

Repco Home Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹332.47Fairly Valued by 8.66%vs CMP ₹364.00

P/E (5.2) × ROE (14.2%) × BV (₹557.00) × DY (1.24%)

₹846.21Undervalued by 132.48%vs CMP ₹364.00
MoS: +57% (Strong)Confidence: 54/100 (Moderate)Models: 6 Under, 1 Fair, 1 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹392.3824%Fair (+7.8%)
Graham NumberEarnings₹937.3717%Under (+157.5%)
Earnings PowerEarnings₹514.2214%Under (+41.3%)
DCFCash Flow₹1,597.7011%Under (+338.9%)
Net Asset ValueAssets₹557.838%Under (+53.3%)
EV/EBITDAEnterprise₹46.389%Over (-87.3%)
Earnings YieldEarnings₹701.108%Under (+92.6%)
ROCE CapitalReturns₹2,559.539%Under (+603.2%)
Consensus (8 models)₹846.21100%Undervalued
Key Drivers: Wide model spread (₹46–₹2,560) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 18.0%

*Investments are subject to market risks

Investment Snapshot

59
Repco Home Finance Ltd scores 59/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health59/100 · Moderate
ROCE 11.1% AverageROE 14.2% GoodD/E 4.83 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money85/100 · Strong
FII holding up 1.43% (6mo) AccumulatingDII holding up 2.65% MF buyingPromoter holding at 37.1% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +1% YoY Positive
Industry Rank55/100 · Moderate
P/E 5.2 vs industry 9.1 Cheaper than peersROCE 11.1% vs industry 48.2% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:35 am

Market Cap 2,276 Cr.
Current Price 364
Intrinsic Value₹846.21
High / Low 464/315
Stock P/E5.19
Book Value 557
Dividend Yield1.24 %
ROCE11.1 %
ROE14.2 %
Face Value 10.0
PEG Ratio0.29

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Repco Home Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Repco Home Finance Ltd 2,276 Cr. 364 464/3155.19 5571.24 %11.1 %14.2 % 10.0
GIC Housing Finance Ltd 750 Cr. 139 206/1305.20 3713.23 %8.73 %8.98 % 10.0
Reliance Home Finance Ltd 119 Cr. 2.45 7.84/1.94 1.090.00 %432 %% 10.0
Coral India Finance & Housing Ltd 110 Cr. 27.2 53.0/25.07.60 53.21.47 %10.5 %8.64 % 2.00
Indiabulls Housing Finance Ltd 8,279 Cr. 167209/1156.77 2680.76 %10.1 %6.55 % 2.00
Industry Average9,117.50 Cr364.069.06331.841.21%48.21%13.33%5.64

All Competitor Stocks of Repco Home Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue327340364380387393408427445426440445457
Interest 181186203207215220233240248246244244249
Expenses 37424040393343264528435149
Financing Profit109113122132133140132161152152154150159
Financing Margin %33%33%33%35%34%36%32%38%34%36%35%34%35%
Other Income 4324658109010
Depreciation 44445649878810
Profit before tax 109112120132134139137153144154146142149
Tax % 26%27%26%26%26%22%23%26%26%25%26%25%27%
Net Profit 8182899899108105113107115108107109
EPS in Rs 12.9113.1214.2415.6815.8917.2716.8517.9817.0318.3717.2617.0917.39
Gross NPA %6.20%5.80%5.50%4.93%4.70%4.10%4.30%4.00%3.86%3.26%3.30%3.16%2.92%
Net NPA %3.45%3.00%2.80%2.16%1.90%1.50%1.70%1.60%1.50%1.30%1.20%1.50%1.40%

Last Updated: March 3, 2026, 3:06 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 2:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue5356938821,0461,1091,1911,3481,3761,2921,2851,5381,7201,768
Interest 325431548646649720825807690701846966983
Expenses 597299116151110153182344182152143170
Financing Profit152189234284309361370386258402541612615
Financing Margin %28%27%27%27%28%30%27%28%20%31%35%36%35%
Other Income 00001431715142410
Depreciation 23443513131315182933
Profit before tax 149186230280307360360390260401525587592
Tax % 26%34%35%35%35%35%22%26%26%26%25%25%
Net Profit 110123150182201235280288192296395439439
EPS in Rs 17.7119.7424.0029.1332.1337.5144.8145.9730.6247.3363.0970.2470.11
Dividend Payout % 7%8%8%7%7%7%6%5%8%6%5%6%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)11.82%21.95%21.33%10.44%16.92%19.15%2.86%-33.33%54.17%33.45%11.14%
Change in YoY Net Profit Growth (%)0.00%10.13%-0.62%-10.89%6.48%2.23%-16.29%-36.19%87.50%-20.72%-22.31%

Repco Home Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:10%
5 Years:5%
3 Years:10%
TTM:9%
Compounded Profit Growth
10 Years:14%
5 Years:9%
3 Years:32%
TTM:8%
Stock Price CAGR
10 Years:-6%
5 Years:16%
3 Years:15%
1 Year:-33%
Return on Equity
10 Years:14%
5 Years:13%
3 Years:14%
Last Year:14%

Last Updated: September 5, 2025, 1:05 pm

Balance Sheet

Last Updated: December 10, 2025, 3:19 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 62626363636363636363636363
Reserves 6767508921,0751,2461,4651,7241,9972,1732,4542,8313,2513,425
Borrowing3,9025,1046,5387,5608,1349,34910,10910,1979,6929,92410,70111,13911,494
Other Liabilities 9615927034528881991087083112150206
Total Liabilities 4,7366,0767,7639,0439,73110,95711,99512,36511,99712,52313,70714,60215,187
Fixed Assets 5999141637313540587889
CWIP 0000000004430
Investments 12121216162222223232131211130
Other Assets 4,7196,0547,7429,0189,70210,91911,93512,31111,93012,44813,51414,31014,968
Total Assets 4,7366,0767,7639,0439,73110,95711,99512,36511,99712,52313,70714,60215,187

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -1,011-1,193-1,414-1,001-557-1,015349849691-363-685-614
Cash from Investing Activity + -6-7-7-60-11-312-163160-169-6
Cash from Financing Activity + 8291,1951,4241,0095621,058-79-730-531205747408
Net Cash Flow -188-532532267131-22-106-212
Free Cash Flow -1,014-1,200-1,422-1,005-564-1,022342847680-371-708-637
CFO/OP -202%-183%-172%-98%-47%-84%37%79%84%-25%-40%-31%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow56.0067.0093.00109.00143.00101.00143.00172.00335.00173.00142.00132.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 16%16%17%17%16%17%17%15%9%12%15%14%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%
FIIs 14.55%13.41%15.29%13.78%13.95%14.04%12.90%12.52%11.25%11.16%11.91%12.68%
DIIs 18.03%19.55%18.40%19.09%19.57%18.79%19.90%20.56%21.09%23.26%22.70%23.74%
Public 30.28%29.91%29.17%29.98%29.34%30.02%30.05%29.77%30.53%28.46%28.24%26.44%
No. of Shareholders 48,17444,53043,10141,57142,93445,25754,14254,95157,15556,29857,02651,932

Shareholding Pattern Chart

No. of Shareholders

Repco Home Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Bandhan Small Cap Fund 4,404,215 0.92 178.044,120,7812026-02-23 03:11:266.88%
ICICI Prudential Banking and Financial Services 2,498,140 0.92 100.99N/AN/AN/A
ICICI Prudential Smallcap Fund 1,790,483 0.89 72.38N/AN/AN/A
HDFC Housing Opportunities Fund 539,758 1.75 21.82551,5642025-12-07 18:16:10-2.14%
HDFC Infrastructure Fund 428,000 0.73 17.3N/AN/AN/A
ICICI Prudential Housing Opportunities Fund 320,388 0.54 12.95N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 73.7666.5550.5631.0347.99
Diluted EPS (Rs.) 73.7666.5550.5631.0347.99
Cash EPS (Rs.) 74.2266.0049.7232.6748.05
Book Value[Excl.RevalReserv]/Share (Rs.) 547.80477.20413.87366.04337.73
Book Value[Incl.RevalReserv]/Share (Rs.) 547.80477.20413.87366.04337.73
Revenue From Operations / Share (Rs.) 269.37243.69205.20206.23219.54
PBDIT / Share (Rs.) 252.27221.95178.52153.82193.41
PBIT / Share (Rs.) 247.69219.04176.12151.76191.34
PBT / Share (Rs.) 93.3083.8764.0641.4862.31
Net Profit / Share (Rs.) 69.6463.0947.3330.6245.97
NP After MI And SOA / Share (Rs.) 73.7766.5550.5631.0347.99
PBDIT Margin (%) 93.6591.0786.9974.5888.09
PBIT Margin (%) 91.9589.8885.8273.5887.15
PBT Margin (%) 34.6334.4131.2120.1128.38
Net Profit Margin (%) 25.8525.8923.0614.8420.93
NP After MI And SOA Margin (%) 27.3827.3024.6315.0421.85
Return on Networth / Equity (%) 13.4613.9412.218.4714.20
Return on Capital Employeed (%) 44.1545.0041.8640.9055.06
Return On Assets (%) 3.133.012.511.612.41
Total Debt / Equity (X) 3.253.583.834.234.83
Asset Turnover Ratio (%) 0.110.110.100.100.11
Current Ratio (X) 1.301.271.261.231.21
Quick Ratio (X) 1.301.271.261.231.21
Dividend Payout Ratio (NP) (%) 4.064.814.948.055.20
Dividend Payout Ratio (CP) (%) 3.824.614.727.554.99
Earning Retention Ratio (%) 95.9495.1995.0691.9594.80
Cash Earning Retention Ratio (%) 96.1895.3995.2892.4595.01
Interest Coverage Ratio (X) 1.631.641.591.391.50
Interest Coverage Ratio (Post Tax) (X) 1.451.471.421.281.36
Enterprise Value (Cr.) 13100.4412699.5610593.8510187.9011850.36
EV / Net Operating Revenue (X) 7.778.338.257.908.63
EV / EBITDA (X) 8.309.159.4910.599.79
MarketCap / Net Operating Revenue (X) 1.241.640.870.851.53
Retention Ratios (%) 95.9395.1895.0591.9494.79
Price / BV (X) 0.610.830.430.480.99
Price / Net Operating Revenue (X) 1.241.640.870.851.53
EarningsYield 0.210.160.280.170.14

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Repco Home Finance Ltd. is a Public Limited Listed company incorporated on 04/04/2000 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65922TN2000PLC044655 and registration number is 044655. Currently Company is involved in the business activities of Financial Leasing. Company's Total Operating Revenue is Rs. 1685.16 Cr. and Equity Capital is Rs. 62.56 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - HousingRepco Tower, No.33, North Usman Road, Chennai (Madras) Tamil Nadu 600017Contact not found
Management
NamePosition Held
Mr. C ThangarajuChairman, Non Ind & Non Exe Director
Mr. T KarunakaranManaging Director & CEO
Mr. E SanthanamNon Exe.Non Ind.Director
Mrs. Usha RaviInd. Non-Executive Director
Mr. B Raj KumarInd. Non-Executive Director
Mr. R VaithianathanInd. Non-Executive Director
Mr. Mrinal Kanti BhattacharyaInd. Non-Executive Director

FAQ

What is the intrinsic value of Repco Home Finance Ltd and is it undervalued?

As of 18 April 2026, Repco Home Finance Ltd's intrinsic value is ₹846.21, which is 132.48% higher than the current market price of ₹364.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (14.2 %), book value (₹557), dividend yield (1.24 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Repco Home Finance Ltd?

Repco Home Finance Ltd is trading at ₹364.00 as of 18 April 2026, with a FY2026-2027 high of ₹464 and low of ₹315. The stock is currently in the middle of its 52-week range. Market cap stands at ₹2,276 Cr..

How does Repco Home Finance Ltd's P/E ratio compare to its industry?

Repco Home Finance Ltd has a P/E ratio of 5.19, which is below the industry average of 9.06. This is broadly in line with or below the industry average.

Is Repco Home Finance Ltd financially healthy?

Key indicators for Repco Home Finance Ltd: ROCE of 11.1 % is moderate. Dividend yield is 1.24 %.

Is Repco Home Finance Ltd profitable and how is the profit trend?

Repco Home Finance Ltd reported a net profit of ₹439 Cr in Mar 2025 on revenue of ₹1,720 Cr. Compared to ₹192 Cr in Mar 2022, the net profit shows an improving trend.

Does Repco Home Finance Ltd pay dividends?

Repco Home Finance Ltd has a dividend yield of 1.24 % at the current price of ₹364.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Repco Home Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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